Torrance Car Insurance

The Zebra
May 30, 2018

Car Insurance in Torrance

It is known that California has expensive premiums, as its mean rate exceeds the national average by $286. Premiums run high in the city as well, so understanding premium costs while insuring a vehicle in Torrance is especially crucial. Keep some money in your pocket by following the tips below about how to save on car insurance in Torrance.

  • City Average: $1,779
  • State Average: $1,713
  • National Average: $1,427

Torrance Car Insurance by Accident or Violation History

Do you realize how much an accident or violation history can cost you in terms of car insurance rates? Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. On average, a DUI or reckless driving offense in Torrance will cost you 183% more in car insurance premiums versus the city average of $1,779. $1,005 is the amount by which you can expect your annual insurance premiums to rise in Torrance if you have an at-fault accident on your driving record.

  • DUI: $5,035
  • Reckless Driving: $5,035
  • At-fault Accident (damages less than $1000): $2,784
  • At-fault Accident (damages greater than $2000): $2,784
  • Speeding Ticket (16-20 mph over speed limit): $2,414

Torrance Car Insurance by Gender and Marital Status

Pricing for car insurance premiums in Torrance is determined by quite a few things, including gender and marital status. However, the amount by which men's and women's car insurance premiums vary is trivial. People who are married save an average of $75 per year on car insurance compared to those who are single. Rates for those who are widowed are somewhat cheaper than rates for those who are single.

  • Female: $1,786
  • Male: $1,779
  • Single: $1,779
  • Married: $1,704
  • Divorced: $1,779
  • Widowed: $1,711

Torrance Car Insurance by Age

Looking across all age groups, drivers in their 60s have the lowest premiums. Their rates usually average $1,534/year. Those in their 50s ($1,571) have premiums that aren't much higher. The most significant decrease in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Torrance start saving an average of $4,071. While rates for drivers will continue to shrink through their 60s, they should anticipate to pay more when they turn 70. Car insurance premiums are highest for teenage drivers, with average rates of $6,678 per year.

  • Teenagers: $6,678
  • 20s: $2,606
  • 30s: $1,748
  • 40s: $1,694
  • 50s: $1,571
  • 60s: $1,534
  • 70s: $1,713

* Credit score, while used in other states, is considered discriminatory in California and is therefore not used as a rating factor when companies determine how much you'll pay for auto insurance.

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